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Individual or family

If something unexpected happens to you – like a car accident or a serious illness – hospital expenses can quickly rack up. Individual health insurance can help prevent staggering expenses if you face a medical emergency. Major medical insurance is a type of coverage that provides benefits for a broad range of health-care services, both inpatient and outpatient. This health insurance can save you money on routine doctor's visits, prescription drug coverage, preventative care and other medical services. The plan will typically come with costs such as a monthly premium, an annual deductible, copayments, and coinsurance.

Short term medical

A short-term plan is temporary health insurance designed to help you bridge the gap between coverage by major medical plans. These provide much less comprehensive coverage than major medical plans and do not satisfy the requirements of the ACA or help avoid any ACA tax penalty.

Thinking of buying individual health insurance?

Important Guidelines When Buying Health Insurance

If you’re wondering whether it still makes sense to enroll, consider this:

You’re still required by law to have ACA- compliant health coverage. If you don’t, you could face the individual mandate penalty. Yes, the GOP tax bill included repeal of the individual mandate penalty, but that doesn’t take effect until 2019. People who are uninsured in 2018 will still face a penalty.

Coverage is still guaranteed issue regardless of pre-existing conditions.

Premiums for older enrollees are still capped at no more than three times the premiums for younger enrollees.

All new major medical plans are still required to cover essential health benefits.

And the financial assistance provided by the ACA is still available, with premium subsidies that are larger than ever in most areas of the country.

2018 Obamacare enrollment

Open enrollment has ended, but consumers can still enroll if they are eligible for a special enrollment period.

Consumers are still required to have ACA-compliant coverage.

Premium and cost-sharing subsidies are still available.

Exchange plans are key to affordability.

Did you miss open enrollment? There’s a wide range of short-term coverage that could provide a temporary safety net.

Millions can buy outside of open enrollment

The list of qualifying events that could result in a special enrollment period for you at any point during the year including:

A permanent move (in most cases, you must have also had coverage before your move)

Marriage or the birth or adoption of a child

Your non-calendar-year plan reaches it's renewal date

A change in your ACA subsidy enrollment

A change in your citizenship status

and more

If you're eligible for a special enrollment period, you can still shop for ACA-compliant plans.